Harley-Davidson® Credit Card

harley davidson credit card
Required Credit Score:
Good
166 reviews   Write a Review
Info about the Harley-Davidson® Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Change my rating to: Excellent

Harley-Davidson® Credit Card’s Rewards

Bonus
$10 Certificate
Base Earn
1 point / $1
Max Earn
3 points / $1
  • Earn 3 points for every $1 spent at Harley-Davidson® dealerships.
  • Earn 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants.
  • Earn 1 point for every $1 everywhere else.
  • Redeem 2,500 points for a $25 H-D™ Gift Card.
  • Premium Offers and Special Dining Privileges
  • Receive a $10 H-D™ Genuine Rewards Certificate.

Harley-Davidson® Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
14.24% - 23.24% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    3%

Harley-Davidson® Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   24 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    24.24% (V)
  • CASH ADVANCE
    FEE
    3% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   Yes, chip-and-signature
  • Benefits: Travel Accident Insurance, Zero Fraud Liability, Fraud Protection, Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver and more
  • You could win a new motorcycle with the H-D™ Visa Free Ride Sweepstakes. Sweepstakes ends 12/31/16.
  • Visa Signature Concierge Service
  • If you are not eligible for the Harley Davidson® Credit Card you will automatically be considered for the Harley Davidson Visa High Performance and Harley Davidson Secured cards.
Apply Now
at U.S. Bank’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Harley-Davidson® Credit Card to our community.

What credit rating do you usually need? Can I use a cosigner?
Reply

Photo of Card H.
Jan 7, 2016
The baseline minimum score to qualify for the Harley-Davidson Credit Card is 660, which is the bottom of the “good credit” range. But simply having a 660 credit score doesn’t guarantee you of approval. Credit card companies take a lot of different factors into account when evaluating applicants, many of which aren’t encapsulated in a credit score. They also use their own proprietary versions of credit scores, so you can’t tell exactly how you’re rated on the issuer’s end.

With that being said, knowing your credit score will give you a good sense of which types of cards you can expect to be approved for, enabling you to more-efficiently target your more
0 Votes

Is there 0% balance transfers??
Reply

Photo of Card H.
Apr 28, 2015
The APR for balance transfers ranges from 13.99% to 22.99% depending on creditworthiness. The balance transfer fee is 3% or $5, whichever is greater.
-5 Votes 5

Customer Reviews

Share your insights and review the Harley-Davidson® Credit Card.

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4.6 out of 5

166 reviews
77%
8%
10%
2%
3%
Photo of Hunter L.
May 20, 2015
Harley Davidson offers the best credit card in my humble opinion. The VISA logo is accepted anywhere and this card is an asset to have. I highly recommend the card to anyone interested in credit cards. This card offers points and chances to win motorcycles, and it also has zero annual fees, there is no logical reason not to have one!
Photo of Gary S.
Dec 16, 2013
I WANT a Harley Sportster. I needed another credit card that did not charge a yearly fee, yet, gave spending credits in the form of cash. Harley gives away a Harley EACH month to some lucky card holder ! I haven't won my Harley-YET..but I will ! In the mean time I pay off my balance to avoid the charges, while ringing up those cash credits for almost any kind of purchase I make with my Harley card.
I highly recommend this card-especially if you want to win a Harley!
Photo of Mike K.
Dec 19, 2012
I don't even own a Harley Davidson - let's get that out of the way right up front. My brother applied for this and since a Harley store opened up right by our hometown, he has been getting a lot of use out of this card. So he insisted that I apply for one also and as long as I won't be using the points for myself, he asked me to let him use any rewards that I've accumulated. Since I was looking for a new 'hassle free' credit card anyway, I said okay, why not. No annual fee on this, you can imagine that would be a big deal more
Photo of Alex A.
Dec 14, 2012
I got this Harley card because I am a Harley fanatic! I love their bikes, and it might not be the best idea to get a credit card just because it has your favorite brand name on it, but I could not resist. The good thing about this card for me is that you get triple reward points when you spend money at Harley dealerships. This is great as I am always getting new accessories for my motorcycle. Double points are also given for gas, which keeps me on my bike and on the road more often. I do have to say that this is a bit of a gimmicky more
Photo of Frank T.
Dec 14, 2012
I actually got this card because my father insisted that I do! Its pretty funny, as he's a Harley man, and had a card of his own, but wanted me get one as well so that he could use my points. In the long run, it actually worked out pretty good for me! I needed a second credit card for emergencies, and those "just in case" moments, so I agreed. The rates for this Harley Visa are not that fantastic and some of the fees are a bit high, but other than that, the service has been good, and the online system is very simple and user friendly. I would more
+161 users submitted a rating without a full review
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Last updated on: Jul 18th, 2016 at 7:15 EDT

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